Joseph S. Sturniolo & Associates, Inc. was founded in October of 1995. Our team of professionals has over 100 years of combined experience and is one of the leaders in sophisticated financial and estate planning We specialize in providing comprehensive, integrated, personalized solutions to help business owners, professionals, executives, and retirees develop and implement complex estate, income tax, business succession, retirement and investment plans. We emphasize each client’s unique needs, not a prepackaged set of solutions or ideas. We specialize in the numerous challenges faced by our clients and have developed a team of professionals that thoroughly understands their unique problems and opportunities. That translates into measurable and meaningful results. We commonly see prospects who are taking much more risk than needed for their desired outcome and have been given advice from a financial professional who uses a traditional “risk threshhold” questionnaire to determine the investment portfolio they should be in (aggressive/moderate/conservative). While those investment models can look fancy and sophisticated (and we have access to them as well) they sometimes lack common sense and disregard the real needs of a family or opportunities a unique market can present. Our approach is to continuously educate our clients on how to look for good investment opportunities and teach them to think SMARTER than the results an oversimplified approach can produce. We continuously take into account time relevant opportunities across all aspects of investing and design a plan that potentially maximizes returns, minimizes all forms of tax, and takes the least risk possible to get to the desired outcome. Once in place, we continue to modify the plan with changes in the environment and life circumstances, so you don’t miss out on unique opportunities. In retirement, you need money you can count on! We desire to help you manage your entire financial picture so you have peace of mind and time to enjoy what you’ve worked hard for while still getting competitive returns with the least risk possible.
President, Chief Compliance Officer
Director of Marketing and Client Relations
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